Assetz Capital Review

Welcome to the Assetz Capital review page on OFF3R. This page provides key information about the Assetz Capital investment process. The Assetz Capital review page has been developed as part of the Investment Platform review series on OFF3R.

Platform Overview

Founded

2013

Location

London, UK

Regulatory Status

Fully FCA Authorised

Summary

Assetz Capital allows investors to lend money to SMEs and property businesses. Assetz Capital sources the loans and investors then either self-selects the investment or Assetz Capital chooses the investment on behalf of investors via one of their investment accounts.

Target Investor

Assetz Capital aimed at everyday investors. Investors can earn up to c.15% per annum gross dependent on their choice of investment account and period, with a minimum investment amount of £1. There are no fees for early withdrawals and subject to demand from other investors they do facilitate early exit.

OFF3R’s Comment on Platform

Assetz Capital have lent over £250m over 315 loans since launch with 60% of these funded in the last 12 months*. With a 100% record of recovering the interest on the 9 loans that have defaulted since launching in 2013 their already strong and future potential growth in the UK P2P lending market is notable.

Products Available

Investment Accounts

Assetz Capital investors can choose from an automated investment account: Quick Access; 30 Day Access; Great British Business; Green Energy Income or Property Secured Investment Account, or they can opt to choose investments for themselves via the Manual Loan Investment account.

SIPP Investment Account

P2P SIPP allowing investors to share in a loan portfolio using their Self-Invested Personal Pension.

Individual Loans

Loans made to SME businesses and property development companies.

Investor Information

Who do you Lend to?

Individuals

What is the minimum investment?

£1

How are the loans secured?

Property and business assets

What is the typical investment term?

1 to 60 months

What type of investment is it?

Account based or self-select.

Is anInnovative Finance ISA available?

No – However, they have announced it should be released later this year.

Are there specific investor fees?

No fees for lenders, all costs are paid for by the borrower.

Is early exit possible?

Yes – Early exit is possible providing there is demand from a willing buyer.

What investor protection is available?

There is no access to FSCS. However, Assetz Capital seek to reduce capital risk to investors by taking asset security on every loan and providing a discretionary provision fund for some of their investment accounts.

Platform Registration and Investment Process

Please open the image gallery for a walkthrough of the Assetz Capital investment process. Each stage of the investment process has also been detailed below.

Registration Process: Getting Started

Registration Process: Basic Information

Setting Up Your Account: Screen Name

Making an Investment: Setting Your Risk Level

Managing Your Investment: Assetz Capital Dashboard

Stage 1 – Registration Process

Investors can register with Assetz Capital in a matter of minutes with their 3-step registration process. Firstly you are required to fill out your contact information, then answer some questions based on your risk profile and finally verify your ID.

Stage 2 – Making an Investment

To make an investment, you will need to deposit money into your account following registration. Following this, you can choose whether to invest ‘automatically’, via an investment account that will automatically diversity your funds across a number of loans in order to help you spread your risk, or ‘manually’, where you have the option to handpick one or a selection of business and property loans.

Stage 3 – Managing your Investment

You can manage your account via the ‘Account Dashboard’. Here you can view all of the current Assetz Capital investments available, and choose invest via one of their investment accounts or manually hand-pick your portfolio as suits.

Stage 4 – Exiting your Investment

Subject to demand from other investors, Assetz Capital offer the option of early exit via their secondary market. However, if demand is not sufficient, you should receive your cash back over the term of the loans held within the account which could be over a period of up to five years.

Watch the following video for more information on the Assetz Capital investment process:

Please visit Assetz Capital for more information on their investment opportunities. Your Capital is At Risk.

Platform Performance

Since April 2013, Assetz Capital lenders have funded over 315 loans with a total value of £250,000,000. Around 17% of that has been funded in the last 3 months and 60% in the last 12 months.

Assetz Capital lenders have earned approximately £22,000,000 in interest, including £1,060,500 of interest recovered from loans that have defaulted.

Lending to individuals and early stage businesses involves a high level of risk and it should be done only as part of a diversified portfolio. Tax treatment depends on the individual circumstances of each investor and may be subject to change in the future. Your capital is at risk.

About the author

Lily Bridgwood

Lily is the Partnerships Associate at OFF3R. She has previous work experience in both the corporate and start-up environments. She joined the OFF3R team in October having recently graduated with First-Class Honours in International Business from the University of Edinburgh.

Risk Warning

Your capital is at risk. The value of your investments can go down as well as up and you may get back less than you invest. Please seek independent financial advice if you are unsure whether an investment is suitable for you. For more information, please see our full risk warning.